Our private client service provides individuals who need independent financial advice with a totally bespoke service offering a mixture of hourly fees and retainers or set discounted fees and commissions. The service offers a choice from full holistic planning covering every aspect of your finances and lifestyle to a discounted advice service for people who only want advice on a certain aspect of their finances.

Totally fee based option Fixed fees & commission option Advice from award winning online financial advisor

Our holistic service
Our holistic financial planning service is a totally fee based service designed for anybody who wants to establish a lifetime financial plan. It includes financial advice, lifestyle planning and where appropriate product recommendations on a nil commission basis. It requires an ongoing commitment and the initial service proposition is based around a five year plan.

Our fixed fee discount service
Our hourly fee service is a half way house between our discount direct service and our discounted fees & commission service. This service was introduced to meet demand from clients who required ad hock independent advice, normally on a limited aspect of their finances, with no requirement for ongoing service.

Fixed fees & commission discount service
This now our most popular choice with clients and is our recommended option for most financial planning situations. When you use our fixed fee service we will use our knowledge as whole of market independent financial advisors to provide you with advice, or comment, on the suitability of the product or area of your finances and make a formal recommendation to you. A fixed fee is charged for the advice together with suitable level of commission to provide ongoing service. This option is ideal for income drawdow, self invested pensions and larger investment portfolio’s using our investment review service.

Our discounts
We use the commission payable to provide you with market leading discounts. We charge a set fee to cover the cost of providing advice and include an element of commission to cover the cost of arranging the plan and providing ongoing advice and service. These charges are easily identifiable and the balance of any commission is passed back to you as our commission gift. This commission gift is your discount. Please call us or visit the document centre for details of our current fixed fee discounts and terms.

Our unique blend of fixed fees and commission provide our clients with an unmatched combination of independent financial advice and market leading product discounts. We believe this combination makes our fixed fee & commission service a far superior option than buying direct, via a bank or commission based IFA for anyone who requires advice.

Alternative options available
If you like to manage your own financial affairs and are looking for a non advised service our discount direct service will provide you with the very best product discounts. Savings can be made on all product purchases including; All ISA, PEP, OEIC and unit trust funds. Investment bonds including distribution bonds, with profit bonds and property bonds. Guaranteed equity bonds and guaranteed income and growth bonds. Life assurance, mortgage payment protection insurance, and critical illness insurance. Personal lines general insurance products.

Mortgages & equity release lifetime mortgages
Independent mortgage advice and equity release lifetime mortgage advice is available from our specialist mortgage advisers on an hourly fee basis or a traditional commission only arrangement. Our mortgage advice and equity release pages provide more information on our award winning online service.

Help & advice
There are many options to consider when choosing how to take independent financial advice and if you are unsure of the best way to proceed it makes sense to take advice from a qualified specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options and benefits of independent financial advice.